Down payment assistance in San Bernardino County, California
5 county-wide programs and 1 program limited to specific cities listed for San Bernardino County, plus 41 statewide California programs that also apply here. Every amount and rule below comes from the provider's published terms.
5
County-wide
1
City-limited
41
Statewide, also available
San Bernardino County programs
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Deferred 0% Loan · Up to $40,000 · NPHS / Inland Empire Community Foundation (U.S. Bank funded)
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Deferred CalHome Loan · Up to $55,000 · Neighborhood Housing Services of the Inland Empire
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Deferred Second Loan · Up to $55,000 · City of VictorvilleCity-limited program, not countywide
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deferred 0% silent second · Amount varies by program · NPHS Inc. / Inland Empire Community Foundation
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referral only (county no longer directly administers DPA) · Amount varies by program · San Bernardino County Community Development & Housing
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grant (home repair, not purchase DPA) · Amount varies by program · HomeStrong USA
California statewide programs (apply here too)
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Deferred Silent Second · Up to 3.5% · California Housing Finance Agency
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Deferred Closing Cost Assistance · Up to 4% · California Housing Finance Agency
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First Mortgage (for pairing with DPA) · Amount varies by program · California Housing Finance Agency
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First Mortgage (for pairing with DPA) · Amount varies by program · California Housing Finance Agency
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Deferred Silent Second · Up to 2.5% · California Housing Finance Agency
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Shared Appreciation Loan · Up to $150,000 or Up to 20% · California Housing Finance Agency
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grant or 3-year forgivable second · Up to 5.5% · Golden State Finance Authority
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Occupation-Based Amortizing Second + Grant · Up to 5% · Golden State Finance Authority
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Deferred Silent Second · Up to 3.5% · Golden State Finance Authority
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100% Financing, No PMI, Below-Market Rate · Up to 100% · Neighborhood Assistance Corporation of America
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Closing Cost Credit (HomePath REO only) · Up to 3% · Fannie Mae
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0% Affiliate First Mortgage · Up to 100% · Local Habitat affiliates
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50% Discount on HUD REO Homes (Revitalization Areas) · Up to 50% · U.S. Department of Housing and Urban Development
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Low Down Conventional · Amount varies by program · Fannie Mae
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Low Down Conventional · Amount varies by program · Freddie Mac
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Matched Savings Grant · Up to $32,837 · Federal Home Loan Bank of San Francisco
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Occupation-Based Grant · Up to 2% · CalHERO (private lender network)
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Matching Grant (NEW for 2026) · Up to $40,000 · Federal Home Loan Bank of San Francisco
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deferred-payment junior loan (silent second) · Amount varies by program · California Housing Finance Agency (CalHFA)
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deferred silent second (zero-interest) · Amount varies by program · California Housing Finance Agency (CalHFA)
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deferred silent second · Amount varies by program · California Housing Finance Agency (CalHFA)
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first mortgage (conventional, fixed rate) · Amount varies by program · California Housing Finance Agency (CalHFA)
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first mortgage (FHA-insured, fixed rate) · Amount varies by program · California Housing Finance Agency (CalHFA)
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first mortgage + ZIP closing-cost second · Amount varies by program · California Housing Finance Agency (CalHFA)
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first mortgage + ZIP closing-cost second · Amount varies by program · California Housing Finance Agency (CalHFA)
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first mortgage (VA-guaranteed, fixed rate) · Amount varies by program · California Housing Finance Agency (CalHFA)
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first mortgage (USDA-guaranteed) · Amount varies by program · California Housing Finance Agency (CalHFA)
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first mortgage + forgivable grant · Amount varies by program · California Housing Finance Agency (CalHFA)
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amortizing second mortgage + optional gift · Amount varies by program · Golden State Finance Authority (GSFA)
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deferred silent second + optional gift · Amount varies by program · Golden State Finance Authority
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federal income tax credit · Amount varies by program · Golden State Finance Authority (GSFA)
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first mortgage (state veteran contract-of-sale) · Amount varies by program · California Department of Veterans Affairs (CalVet)
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first mortgage (VA-guaranteed) · Amount varies by program · U.S. Department of Veterans Affairs
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first mortgage (FHA-insured) · Amount varies by program · HUD / FHA
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below-market first mortgage (no DPA but no down payment) · Amount varies by program · Neighborhood Assistance Corp of America
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below-market sale + 0% mortgage (sweat-equity) · Amount varies by program · Habitat for Humanity affiliates
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sweat-equity + deferred second · Amount varies by program · Mercy Housing California
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USDA 502 packaging + technical assistance · Amount varies by program · Rural Community Assistance Corporation
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shared-equity / CLT umbrella · Amount varies by program · CA CLT Network
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deferred silent second (locally administered) · Amount varies by program · California Department of Housing & Community Development
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MCC (federal tax credit) · Amount varies by program · Golden State Finance Authority
National programs
38 federal and national programs apply in every county. See the national programs. See all of California's programs.
Find your San Bernardino County match
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